Why You Should Get Travel Insurance

Travel InsuranceWhen most people plan a holiday, the last thing on their minds is insurance. What kind of insurance you may ask. Well, isn’t it plain to see: travel Insurance! So as you’re hurriedly packing your bags, take a moment to reflect on your impending trip. Is there a real risk that your journey may not proceed exactly as planned? Like a tornado warning resulting in ALL flights getting cancelled. Or, worse still, being caught up in one, and having to be emergency evacuated in the middle of a tantalising lunch. In a few words, things happen! All the more reason why you should get travel insurance.

There isn’t an exhaustive list of reasons why travel insurance is so important. However so, it doesn’t hurt to remind each other from time to time about any uncertain stumbling blocks.

  • Lost or Stolen Possessions. Insurance reimburses you for any possessions lost or stolen in transit.
  • Cancelled flights. Rough weather, faulty aircraft and air traffic jams are the norm rather than the exception. With insurance you can pay for overnight accommodation or reschedule at no extra cost.
  • Cancelled trips. You fall sick suddenly thereby forcing you to cancel. You’ll need to recover all the travel expenses to date otherwise it’ll be an utter waste.
  • Health emergencies. Your bungee jump goes wrong and you’re hospitalised for a week. All those expenses will be covered by travel insurance.

Discuss Your Itinerary

Put the centerpiece on your long awaited vacation by sitting down with your travel insurance agent before jetting away. One common trap people fall into is to just sign without a care in the world. Like, why bother? For as long as I’m “covered” what’s the big deal? Well, sorry to blow your bubble but the dig deal is that you may have paid way too little for the nature of your holiday, which apparently includes dangerous activities like bungee jumping. On the other hand you may have paid too much if your going to be sun bathing and partying the entire week.

So sit down with your agent and talk details instead of where to sign.

What to Know about the Most important types of insurance

Types of insuranceIn life nothing is guaranteed to last forever. If you own property, there are chances you might lose it due to unplanned events. This makes it important for you to insure the things you own with companies that can help you regain what you lose. Below is a discussion on the Most important types of insurance policies that people need to consider.

Property insurance policies

These are policies that cover the loss of property to certain causes. The things that can be covered include homes, vehicles, boats and shops. All these things can be lost due to unplanned events. The insurance companies give you the terms of agreements for you to read. Once you are convinced the terms are good, you can sign a contract and start paying a monthly subscription.

Cover for theft

This type of insurance protects you from theft. When property you own is stolen, the insurance company will step in to help you find it or replace it. For tracking services, the company can insert tracking devices in the property so that they can remotely locate it. If the goods are not recovered, the company will replace them or help in purchasing new ones.

Accident cover

This cover guarantees you to get back your property in case it is damaged due to accidents. Houses and vehicles are the most items covered under the policies. The cover company will replace the property lost in the process or offer repairs if the property is not totally damaged.

Natural disaster cover

You might lose your property in the process of natural occurrence. The cover companies will help you recover the property and get back to normal living. Losing a home due to floods may inconvenience you. The company will step in and find you shelter as you wait to get a plan to work out of the problem.
People insurance

Getting personal insurance is also important for every person. No person can tell the future and hence the insurance companies step in to offer help in case of any problem. Some of the problems you might experience are accidents and death. There are policies that cover health and life. They help you get treatment when you fall sick. Some medical bills may be too much for you to pay for. Depending on the cover you pay for, the company will come and clear the bills for you.


Life is unpredictable and you need a plan to be prepared for anything. Getting the Most important types of insurance will protect you, your friends and your family. Do well to read the terms and conditions carefully. You do not want to get surprises on the day you are claiming your compensation.